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Credit card companies don't have agreements
Like i said in a earlier post about the original agreement....heather66 you say they slapped interest on your account, oh how i know they will too, your CAB adviser also tried to no avail, well well well so much for me being a troll eh. So when you asked for the original signed agreement they agreed to suspend interest,…
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Number of times in arears
How many months can you be in arears before creditor take action? Do you get any notice? or do you hope you don't get that far? auctionier
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santander
hi guys i have just looked at my online banking and my credit card payment was due on the 1st no payment has been taken should i go in branch when next in town. should i be worried about a late payment on my credit file even though i have my dd set upto take payment in full
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Halifax Credit Card Interest increase
Hi all. This is my first post so be kind. Just thought I would vent my views and get other peoples view on CC interest increases. A few weeks ago I received a letter saying that my interest rate would be increasing, so I called Halifax up and said that I wanted to cancel my credit card I was not happy with the increase. It…
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Credit Report Change of Address
My Dilema - I'm in my mid 20's and ready to start thinking about getting on the housing market. In the Last 8 years I have lived in 7 different places renting due to training for my chosen career. Now in all that time although I have been paying council tax at each place, I have only registered on the electoral roll in 3…
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0% Credit Card Question
Ok, I may well be in stupid mode when thinking about this but just wanted to double check. I have got the M&S 15month 0% interest Credit card and aim to take out around £2500 on the card and thus I will pay £25 a month as the minimum payment and then pay off the amount in month 14. Now am I right in thinking that the £25 I…
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Huge credit card debts
Hi all I'll try keep this story short but a few years ago our business did well and we were offered credit cards (personal) with large limits. The business then went downhill with the recession and had to use the cards to help fund day to day living and help with a huge tax bill. This left us with £30k of debt on a card so…
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o2 account in arrears after transferring to First Direct
I filled in the direct debit transfer form, and it looks like everything went through, but yesterday my newsgroups subscription was cancelled (paid through Paypal) and now o2 just emailed me saying they couldn't take the payment and my account is now in arrears? Will this mess up my credit rating? What should I do (paying…
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Help! Building credit-rating with credit card.
Hello all, Im looking to build up my credit rating, and I have just been accepted for the Capital One Classic Extra. I have no debts, and have not been in trouble in the past with debts, in fact this is my first ever credit card. I rent my home and have a monthly contact phone, that's basically it except for household…
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Weekly payments for Credit Card?
Hi, Even though I am paid monthly i tend to manage my money for petrol, foodshopping and entertainment etc weekly, i take out a set amount of cash for the week - i find this helps me stay on track and not spend too much. However i am interested in getting a cashback credit card and using that for most of the purchases,…
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OMG just checked my credit report
For the 1st time....my score is 391 in the very poor range!!!! I knew it was bad but I didnt know it was that bad. Ive applied for a vanquis card to help build my credit, any other tips?:(
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Tesco Credit Card - Question.
Hi Everyone, Can anyone tell me: Does a paypal payment from a credit card count as a purchase? Can I link my credit card to my paypal account and then buy things via paypal, ie from ebay or other websites? Any help is greatly appreciated! Thanks
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Close Accounts of leave with zero balance?
Hi everyone, I'm not sure where to post this so I'll put it in a couple of places. I've got over £10,000 credit card debt, but am in the lucky position of being able to pay all of this off in one lump sum. As a result, in the near future I am looking to apply for a mortgage and obviously need my credit rating to be as good…
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Credit Card providers that allow money transfers at 0%
Hello Are there any credit card providers other than MBNA, Bank of America or Virgin group of companies that will allow money transfers to their bank accounts? The above allow this facility but they are now charging 5% for the priviledge of Money Transfers against a balance transfer fee of 2.98%. I am looking to carry out…
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Which card shall I use in Europe?
We are going to France and Italy in a couple of weeks time, and I have Nationwide debit and credit cards. I am out of touch with the charges on each card, so which one would be the best to use whilst abroad? I also plan to get some Euros in cash before I go, so a bit of advice on the best deal for around £300 worth would…
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Virgin card offer not available
I received a letter through the post last week from Virgin stating my credit card account was now eligible for a new 0% transfer promotion until July next year. The card has a 0 balance as I paid it all off and have not used it since. When I called virgin to arrange a transfer into my Halifax account in order to try and…
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Bad credit rating and cards - Advice!
Hello, I'm looking for some advice regarding my credit rating and cards. Basically I owe £200 on my Capital One card (maximum limit with high interest!), and a £300 overdraft with my bank HSBC. The overdraft ends in October, and needs to be paid off immediately. I applied for a Barclaycard Platinum card to try and pay off…
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CreditExpert File (NAME)
Hi, I've recently opened an account, and using the free trail. Although it states the following. MR *(FIRST)* *(MIDDLE)* *(SURNAME)* MR Is this an error, as this was two 'MR'. One at the start and end?
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Rebuilding after minor credit problems and time abroad
The situation: I've just moved back to the UK after nearly 6 years abroad. Before I left, I missed a few credit card payments (4 consecutive months, amounting to £260 before it was settled). The last missed month was August 2006. I also had a mobile phone contract that was always paid on time. Both of these were settled…
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Credit cards
Advice advice - i am thinking of buying a car on a credit card spending around £8,000 I have a good credit history but want to know the best deal with the longest 0% interest ???
